FAQ: Student Health Insurance Plan

What terms should I know?

Deductible: A deductible is the amount you pay for covered health care services before your insurance plan starts to pay.

Co-pay: A fixed amount ($20, for example) you pay for a covered health care service after you've paid your deductible.

In network: In network refers to providers or health care facilities that are part of a health plan's network of providers with which it has negotiated a discount.

Out-of-network: An out-of-network provider is one which has not contracted with your insurance company for reimbursement at a negotiated rate. The cost to use these providers is much higher than using an in network provider/facility.

Coinsurance: The percentage of costs of a covered health care service you pay (10%, for example) after you've paid your deductible.

What if I need to see a doctor, but have yet to receive my medical card?

To obtain your Insurance ID Card, please visit aetnastudenthealth.com/cca during the insurance enrollment period. Select “print your ID card” and enter your CCA student ID number and date of birth.

Aetna ID cards will be available to print beginning August 1st. Then register online with One Medical to activate your membership and you will be able to choose a doctor through any of their many locations. 

Is there a deductible? What is a deductible?

Yes. The deductible is $100 for the policy year. A deductible is the amount you pay for covered health care services before your insurance plan starts to pay. With a $100 deductible, you will pay the first $100 of covered services yourself. After you pay your deductible, you will pay only a copayment or coinsurance for covered services.

What is the coverage for in-network labs, x-rays, etc?

In-network labs and x-rays are covered at 90% coinsurance. Coinsurance is the percentage of costs of a covered health care service you pay (10%, for example) after you've paid your deductible.

For example: Your in-network x-ray costs $1,000. You’ve already paid your $100 deductible for the year. The insurance covers 90% of the $1000, so you owe 10% of the cost, which is $100.

What is the cost for an emergency room (ER) visit?

The copay for any ER visit (in network or out-of-network) is $150, after the $100 deductible is met. After that, 90% of the negotiated charge is covered. For example, your ER visit is $1,000. If you haven’t had any other medical bills for the year, you will owe the $100 deductible and the $150 copay. After those fees are applied, the bill is $750. The insurance will cover 90% of that, so you owe and additional $75.

What is the cost of an in network urgent care visit?

The copay for an in network urgent care visit is $50, after the $100 deductible is met. After that, 90% of the negotiated charge is covered. For example, the total cost of your urgent care visit is $1,000. If you haven’t had any other medical bills for the year, you will owe the $100 deductible and the $50 copay. After those fees are applied, the bill is $850. The insurance will cover 90% of that, so you owe and additional $85.

What is the co-pay amount for a in-network doctor’s office visit? What is a co-pay?

The co-pay is $20. The $100 deductible is waived for in-network doctor’s visits. A co-pay is a fixed amount ($20, for example) you pay for a covered health care service after you've paid your deductible.

For example: You are seeing an in-network doctor and it is your first visit of the policy year. You will pay $20 for the office visit. During your office visit, your doctor wants you to have blood work done. You go to an in-network lab and the lab charges $200 (for example) for this service. You will pay $100 (the deductible for the year) + 10% of the remaining balance, which is $100, so $10. Your total cost for the blood work is $110.

What about transgender health care options?

The Aetna PPO plan covers all medically necessary procedures. This includes, but is not limited to hormone replacement therapies, as well as top and bottom surgeries. It is recommended that you start with a clinician through One Medical (see more information on their transgender-friendly healthcare here) who can manage your care and make referrals as necessary.

What is the difference between the Aetna PPO plan and the One Medical membership?

The Aetna PPO plan is your insurance plan. One Medical is a membership that you use with your Aetna plan. Using doctors through One Medical is optional, but highly recommended.

Where can I find what doctors, hospitals, labs, urgent care centers, etc. are considered in-network for Aetna?

Please go to aetnastudenthealth.com and choose “California College of the Arts” as your school. From there, you can search for a specific doctor or the nearest facility.

How and when do I enroll my partner/spouse/child(ren)?

Dependent enrollments are handled by our student health insurance broker, JCB Insurance Solutions. To enroll your partner/spouse or child(ren) please visit jcbins.com during the insurance open enrollment period.

What if I’m a minor and need medical care?

California College of the Arts cannot act in the place of the parent or guardian. In the event of a personal emergency, accident, illness or incarceration, the State of California will require the signature of a guardian before hospitalization or legal counsel can be obtained.

If you are under the age of 18, you are required to have your parent submit a signed form informing California College of the Arts who will be your appointed guardian.

You can find this form here.

What happens when California College of the Arts is billed for a student's emergency medical care?

In an emergency, California College of the Arts is concerned with getting a student to the hospital as quickly as possible.

In the event that the college is billed for medical care a student received, the college reserves the right to directly bill the student or their family for portions of the bill which may have been paid up front by CCA.

Does the Aetna Student Health Insurance Plan cover pre-existing conditions?

Yes. We believe the most important aspect of our plan is the lack of a pre-existing condition clause. We understand that many students may have health conditions, and they deserve quality health insurance regardless of their condition.

Pre-existing conditions do not affect the cost of the plan, nor is coverage determined by the severity of the condition. Registered students are covered for all medical conditions while enrolled in the plan.

Is student health insurance coverage mandatory?

Yes. All degree-seeking students who are registered at 12 or more units per semester (9 units per term for all graduate students) must have health insurance coverage. An insurance fee is charged at registration each semester.

The fall 2017 fee is $1,370.00, which provides coverage from August 1, 2017, through December 31, 2017.

The spring 2017 fee is $1874.00, which provides coverage from January 1, 2018 through July 31, 2018. See Tuition & Fee Schedule for additional fees.

Is coverage offered to part-time students?

Students registered for fewer than 12 units (except for graduate students taking 9 units/term) are ineligible for the Aetna Student Health plan. However, other options do exist.

Students are encouraged to see what options are available on the insurance marketplace. Financial assistance may be available.

How do I enroll in the Aetna PPO insurance and One Medical membership?

All degree-seeking students who are registered at 12 or more units per semester (9 units per term for all graduate students) are automatically enrolled in the Aetna Student Health Insurance Plan and One Medical membership.

(Note: If you do not submit an online waiver application by the specified date, insurance premiums are automatically charged to the student's account.)

What are the coverage dates?
  • Annual: August 1, 2017–July 31, 2018
  • Fall: August 1, 2017–December 31, 2017
  • Spring/Summer: January 1, 2018–August 1, 2018
Is dental coverage included?

Dental coverage is not included. Students may purchase a separate dental plan through any carrier, such as Delta Dental.

Is vision coverage included?

No. Students may purchase a separate vision plan through any carrier, such as VSP.

Is chiropractic coverage included?

Yes. Chiropractic benefits with an in-network chiropractor are covered at 90% of the negotiated rate.

Are dependents covered?
  • Coverage for dependents is available for an additional fee.
  • Dependents must be enrolled within 30 days from the date the student is enrolled in the plan, or within 31 days of one of the following qualifying events: marriage, birth*, adoption, or arrival in the United States.
  • For covered students, newborns are automatically insured for injury or sickness from birth until 31 days old. Coverage for a newborn can be continued provided Wells Fargo Insurance Services is notified in writing within 31 days from the date of birth and all additional premiums are paid.
Are domestic partners covered?

Yes. Coverage is available for domestic partners. (Note: You and your companion must be registered as domestic partners with the state)

How do I choose an Aetna PPO physician?

Visit the Aetna Student Health website at aetnastudenthealth.com/cca during the insurance enrollment period, where you can search for a preferred provider by name, location, or facility.

Why should I call the Aetna 24-Hour/Seven-Days-a-Week Advice Nurse Line?

The advice nurse line offers registered nurses (RNs) who offer advice regarding symptoms, including what a member can do to reduce or alleviate such symptoms.

Advice nurses are available 24 hours a day, seven days a week. They can often resolve a minor concern over the phone, which saves a trip to the doctor. More information is coming soon.

How do I locate an Aetna Preferred Provider or Facility?

Visit the Aetna Student Health website at aetnastudenthealth.com/cca during the enrollment period where you can search by name, specialty and location.

Am I covered when I visit another school for a summer/semester?

Coverage remains in effect for the entire term you have purchased. Aetna is a nationwide insurance carrier and has preferred providers and hospitals throughout the country.

In rare occasions students may be asked to pay for medical treatment at the time of service, in which case Aetna would reimburse the student. Be sure to keep all medical expense receipts.

What about travel assistance?

Travel assistance provides support services in case of an emergency while traveling. On Call International provides emergency-only coverage for students who study abroad. This coverage is included for students who have the Aetna CCA Health Insurance Plan.

On Call International phone numbers will be listed soon.

The Center is staffed 24 hours a day, 365 days a year with trained multilingual coordinators and doctors to advise and assist you quickly and professionally in an emergency.

What about travel insurance?

Travel insurance is like a typical insurance plan that provides protection for monetary losses that can occur while traveling. Students should have health insurance coverage and travel insurance while traveling abroad.

What about a prescription plan?

Yes. A 30-day supply of your prescription medication picked up at an Aetna preferred pharmacy is covered with a $10 copay (generic) and $30 copay (brand name and nonformulary drugs).

Do options exist to see a specialist?

Yes, the Aetna PPO plan provides coverage for primary care physicians as well as specialists. There is no referral requirement to see a specialist.

Who do I contact if I have a question?

For more information, please contact:

Dean of Students Office

ccacares@cca.edu